JPS63240684A - Ic card processor - Google Patents

Abstract

PURPOSE:To immediately and properly correspond and to improve service for a customer by providing a means displaying data out of the range of validity which causes an IC card to be invalid. CONSTITUTION:When the invalid card 1 is inserted again to a card insertion slit 23, it is judged whether an inputted password number coincides with a code number stored in the IC card 1 or not. When they are not, the fact that the password number is not coincident is stored and the card is NG-returned. When they coincide with each other, it is sequentially judged whether balance, the term of validity and a valid code stored in a memory 4 are valid or not. When one of the data is decided to be out of the range of the validity, the corresponding invalid content is stored and the card is NG-returned and the content of NG is displayed on a CRT 25. Thus the cause that the IC card becomes invalid can be easily recognized.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application This invention relates to an IC card processing device that determines the cause of unusability of an IC card used in transaction processing.

(b1 Summary of the Invention The IC card processing device according to the present invention accepts an IC card and reads data such as the balance and password of the IC card.The read data is within the range valid as IC card data. By making this determination for each piece of data, it is possible to identify and display which data is the cause of the IC card being unusable.

2. Description of the Related Art IC cards are currently in practical use as a medium for transaction processing in financial institutions and retail stores.

This IC card has an internal CPU and memory,
It is connected to the main body of the transaction processing device using a connector such as a terminal, and performs transaction processing by exchanging data and the like.

When the IC card's PIN data matches, it opens a file and allows reading and writing of internal data. Processing such as updating transaction balances is performed within the CPU provided in the IC card.

(Problem that the d+ invention aims to solve By the way, the CPU of the IC card interrupts transaction processing when the PIN data does not match, or when various data necessary for transaction processing are out of the valid range. An NG signal is returned to the main unit of the device and the IC card becomes unusable.In this way, the IC card automatically judges whether the operation is interrupted or continues and opens and closes the file, so the IC card becomes unusable.
This invention was made in view of these problems, and unlike conventional magnetic cards, the staff could not easily read the reason why they could not be used.
To provide an IC card processing device capable of determining the cause of unusability when a card becomes unusable.

(Means for Solving Problem e1) This invention stores card data including the transactable amount and a personal identification number, accepts an IC card used for transaction processing, reads the card data, and reads each data. The IC card is characterized by being provided with a determining means for determining whether or not the IC card is within the valid range, and a display means for displaying that when there is data that is not within the valid range, that data is the reason why this IC card cannot be used. shall be.

(f) Operation The IC card processing device of the present invention operates as follows.

An IC card that has become unusable is inserted into this device by an attendant or customer. Here, this IC card processing device is an ATM that generally performs transaction processing in financial institutions.
It may be composed of After insertion, the personal identification number (PIN data) is first checked, and then various data stored in the memory of the IC card are sequentially checked to see if they are within the valid range.

When data outside the valid range is found as a result of data checking, the type and contents of the data are displayed. This makes it easy to know what caused the IC card to become unusable.

(g) Embodiment FIG. 2(A) is a block diagram showing the schematic structure of an IC card 1 inserted into an ATM, which is an embodiment of the present invention. I
The C card 1 has a terminal 2 on its surface, and this terminal 2 is connected to a built-in CPU 3. Also this CP
U3 is connected to a built-in memory 4. C.P.
U3 and memory 4 may be configured on one chip or may be configured on different ICs. Further, a clock, power, etc. are supplied from the main body of the device via the terminal 2. The memory 4 may be constructed of an EEPROM that is electrically rewritable and does not require battery backup.

FIG. 2B is a partial configuration diagram of the memory 4. As shown in FIG. Area M1 stores PIN data, which is a personal identification number for accessing the data stored in this memory. In order to use the data on this IC card, the PIN data must be input via the terminal 2 and the CPU 3 must determine if they match. more memory 4
The data includes the card number and personal data (M2) that identifies the owner of this card, the balance (M3, M4) that is the amount that can be used for this card, the validity code (M5), and the information processed by this card. Multiple transaction history (M6)
is memorized. Data on this card is read and written by an IC card transaction processing device installed in financial institutions as well as general retail stores, and transactions are processed while updating the balance. Note that the same balance data is stored in two areas to ensure data reliability.

FIG. 3 is an external view of an ATM that is an embodiment of the present invention. In addition to processing transactions such as deposits and withdrawals, this ATM has the function of accepting IC cards that have become unusable and displaying the reason for the failure. There is a passbook insertion slot 2 on the vertical panel of the ATM customer operation panel for inserting a deposit passbook.
2 and a card insertion slot 23 for inserting an IC card.
is installed, and a banknote deposit/withdrawal port 24 is installed on the horizontal panel surface. C
An RT 25 and a coin withdrawal section 27 are installed. C
A touch panel switch 26 is attached to the surface of the RT 25 to detect whether or not a finger or the like touches the CRT 25 and its position. At each stage of a transaction, a transaction selection key and a numeric keypad are displayed on the CRT 25, and the touch panel switch 26 detects the depression of these keys by the customer.

FIG. 4 is a block diagram of the control section of the ATM. This control section is composed of a master-slave system.

The main control unit IO that controls the operation of the entire device is a mask CPU.
(M-CPU) 10a, a ROM 10b storing a control program, and a RAM 10c. Auxiliary control sections 11a to 11g are connected to this main control section 10 to control the respective operating sections. Each auxiliary control unit 1
12 to l1g are slave CPUs (S-CPUs), 5
- It is composed of a ROM that stores operating programs for the CPU, and a RAM that stores various input and output data.

A banknote deposit/dispensing machine 14 that counts banknotes to be withdrawn and discharges them to a deposit/dispensing port 24 is connected to the auxiliary control section 11a. A pill checker 4 that determines the authenticity of banknotes deposited through the deposit/withdrawal port 24 is connected to the auxiliary control section 11b. The auxiliary control unit 11c includes a slip issuing machine 1 that issues a transaction statement slip.
6 and an IC card reader 17 are connected. A passbook printing machine 18 is connected to the auxiliary control unit lid. A key manual device 12 including the touch panel switch 26 and a display unit 13 including the CRT 25 are connected to the auxiliary control unit lie. A coin processing machine 19 is connected to the auxiliary control section 11f. A floppy disk device 28 for backing up data and the like is connected to the auxiliary control section 11g. Furthermore, transmission control units 29 and 31 are connected to the internal bus. The transmission control unit 29 communicates with the monitoring center 30 via a public telephone line, and the transmission control unit 3
1 communicates via a dedicated line with the center that has the deposit account file.

The operation for determining the cause of unusability of the IC card will be described below with reference to the flowchart in FIG. 1 and the display and printing example in FIG. When a customer who attempts to process a transaction using an IC card using this ATM receives a reply from the ATM that the IC card cannot be used, this operation is started by an attendant or the customer. When the CRT 25 displays a message that the IC card cannot be used, the attendant key is displayed on the display screen, and step nl (
This operation starts when this key is turned on in step ni (hereinafter referred to as ni).

The unusable IC card is reinserted in n2, and the IC card is inserted in n3.
C card is checked.

This IC card check operation is shown in FIG. First, the PIN data and information entered by the customer to process the transaction
It is determined whether the PIN data stored in the C card matches or not, and if they do not match, it is stored that the PIN data do not match (n14) and returns NG. P.I.
If the N data is defeated once, the internal data becomes readable, so it is sequentially determined in steps n1'1 to n13 whether the balance, expiration date, and validity code are valid values. If any data is not within the valid range, the corresponding invalid contents are recorded 41 (n15 to n17) and NG is returned. If everything is normal, it will return normally.

After this, in the main routine, from the subroutine
Use n4 to determine whether the G return was made or a normal return.
If the return is normal, the process directly proceeds to n8 and ends the operation.

If the return is NG, CR the NG contents with n5.
Display on T25. This display content is shown in FIG. 5(A). It is possible to select whether or not to print this displayed content using a printer using the print key and end key displayed at the bottom of the screen.

Check whether the print key or end key was pressed by n6.
If the print key is pressed, the displayed contents are printed and released as shown in FIG. 5(B) (n7), and if the end key is pressed, the process directly proceeds to n8.

The operation shown in FIG. 1(B) corresponds to the determination means of the present invention, and n4. n5 corresponds to the display means of this invention.

(h1 Effect of the invention As described above, according to this invention, when an IC card becomes unusable, it is possible to determine and display the cause of the unusability, so the staff member can immediately take appropriate measures.) This can lead to improved customer service in the case of an emergency where IC cards cannot be used, and can also contribute to reducing the workload of staff.

Furthermore, by integrating this IC card processing device with an ATM, many of the hardware parts of the device can be used for the same purpose, leading to cost reduction, and even when the ATM becomes unusable, this operation can be continued as is. This also leads to improved work efficiency.

[Brief explanation of the drawing]

Figures 1(A) and 1(B) are A which is an embodiment of this invention.
Flowchart showing the operation of determining the cause of unusable IC card in TM, Figures 2 (A) and (B) are general IC card pro-7 diagram and memory partial configuration diagram, Figures 3 and 4 are The external view of the ATM, the block diagram of the control unit, and FIGS. 5(A) and 5(B) are display examples and printing examples of the ATV. 17-IC Card League, 25-CRT.

Claims (1)

[Claims] (1) Stores card data including the transaction amount and PIN number, accepts the IC card used for transaction processing, reads the card data, and determines whether each data is within the valid range. An IC card processing device comprising: a determination means; and a display means for displaying, when there is data that is not within a valid range, that the data is the reason why the IC card cannot be used.